ACA Marketplace Plans in Florida

Florida's ACA Open Enrollment runs November 1 through January 15 each year. Coverage starts January 1 if you enroll by December 15, or February 1 if you enroll January 1–15. Outside of Open Enrollment, you need a qualifying Special Enrollment Period event (job loss, marriage, birth, move, etc.).

Absolutely — self-employed individuals are among the biggest beneficiaries of ACA plans. Your net self-employment income counts toward subsidy eligibility. You may also be able to deduct 100% of your health insurance premiums as a business expense. We can help you maximize both benefits.

An HMO (Health Maintenance Organization) requires you to use in-network doctors and get referrals for specialists — typically lower premiums. A PPO (Preferred Provider Organization) allows out-of-network care and no referrals — more flexibility, higher cost. In Florida, many Marketplace plans are HMO-structured. We'll help you understand which works for your situation.

Yes. Under the ACA, all Marketplace plans are required to cover pre-existing conditions. Insurers cannot charge you more or deny you coverage based on your health history. This protection applies to all metal tier plans (Bronze, Silver, Gold, Platinum).

There is no longer a federal penalty for not having health insurance (the individual mandate penalty was removed in 2019). However, going uninsured means you're responsible for 100% of medical costs. With subsidies available, many Floridians find coverage costs less than the risk of going uninsured.